Should I apply for a Capitol One Quick Silver Card 600 Score or Wait?

[App_Addict]

Im sooooo itching to click the button to apply for the Quick Silver Card!  Ive had my eye on this card for a while now! I'm right at 600 with my score right now and have a Cap. One Secured Card (801.00) a Fingerhut (700.00) Credit One (500.00) and a new Khols card (300.00) The Capt. One Card is secured however they just recently increased it without a deposit from 500 to 800.  My Cap. One is completly paid down.  Another Note:  I have a BK that will be dropping off in 4 months so trying to wait, just have itchy finger! 

[Anonymous]

The Quicksilver might be a little tough to get with a 600 FICO score. I you applied for it right now, you likely would not be approved. However, you would be a strong contender to qualify for their Quicksilver One card which offers the same 1.5% cash back with an annual fee. Maybe after a year they could convert it to a regular Quicksilver.  I'm not sure if Capital One can PC a Quicksilver One to a no annual fee Quicksilver, but I do know that a PC between cards with Capital One is possible. Capital One upgraded my Platinum card to a Quicksilver after less than a month just by asking a CSR if it was possible. I know Capital One gets trashed a lot on here for customer service but my experience with Capital One has been wonderful.

[App_Addict]

Thanks for your Response.  I agree the Quicksilverone is more of what I expect and that is what I would shoot for now.  

[KneelBeforeZod]

If you can wait for the BK to fall off, you might qualify for better offers and a higher limit when applying. If the rest of your report is clean with no baddies since the BK, then you may see a huge boost in score that will put you in a better position to go for it.

[App_Addict]

I have had no baddies since 2009.  I had some issues that year that set me back but since then overall been clean.  Just finanaced a $25,000 auto about 4 months ago, but with a 15% rate.  Once the BK falls off I will refi that one as well.

[Anonymous]

Did you check for pre-quals?

My fiance got approved with a lower FICO to upgrade from her secured card to real QuickSilver.

[b_diddy]

... letting that BK fall off will give you more options if you can wait.

[App_Addict]

I did check for prequail and I get this:

"Robert, we couldn't match your records to a card offer.
But based on your answers, we think you might like this card.

Apply now for the QuicksilverOne Rewards Card
QuicksilverOneSM Rewards
APPLY NOW
Primary Benefit
Earn unlimited 1.5% cash back on every purchase, every day
Purchase APR
0% intro APR until August 2015; 22.9% variable APR after that
Transfer Information
22.9% variable APR; No transfer fee
Annual Fee
$39"

So, don't know of that has any real meaning or not?

[Anonymous]

That's not a true prequalify. I would wait.

[App_Addict]

Thanks everyone...I'll cut my finger off so maybe that will take the itch away!   I'll TRY to wait until march!